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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 12, 2023

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Pawan Question by Pawan on Apr 11, 2023Hindi
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Relationship

Hello , I m presently in a relation with a girl aged 29 years from 6 years and my age is 37 running , now she is getting married with some one in her cast as said by her parents and she is telling that she can not give trouble to her parents with our relations, so i m now depressed and cant handle the situation , she is confirming me to continue the relation after her marriage , so what to do kindly suggest

Ans: Dear Pawan,
Kindly respect her decision even if it seems to be something that she is doing for her parents. If she was strong enough, she might have told them much earlier but she chose not to.
And for her to suggest continuing the relationship after marriage only suggests that she wants the best of everything. Understand the consequences of this request of hers; being connected with a married woman is to cause a mess in her life and yours as well.
Let her move on with her life and kindly move on to make yours as well. You deserve a shot at being happy, so choose that.
Rebuild your life as she moves on with hers. This will simplify and clarify your life and make you feel more settled:)

All the best!

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Anu

Anu Krishna  |835 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Apr 06, 2022

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Hi Anu, I am in a relationship with a girl from my office for nearly 1.5 years now. We both speak Marathi only sub caste is different.At start of our relationship we discussed about it as she tells me her parents will not support her, so I convinced her that I will support her in every way possible to convince her parent and will stand with her though every situation. I am 31 years old and she is 27. Her parents told her that she has 2 years for marriage so she is currently focusing on career right now.My parents are forcing me for marriage. As her family has issues with my subcaste and she is not willing to disclose our relationship for another 2 years. So I told her that I will wait for 1 year then we can disclose our relationship to both families mines and her, if your family agrees we can wait for one more year so that she can focus on career and she can get 2 years as per her parents. Moreover I will always support her in career and family issues. But still she is not ready she told me that she will not tell her family about our relationship until 2 years are complete. Can you please suggest me any solution for this?
Ans:

Dear TG,

At this point, what is missing for you possibly is if after the wait, if she will still be there in the relationship?

If she isn’t willing to complicate her family life at this point in time, I guess she has valid reasons for that which must be respected.

But what If the two of you sit down where you can put down your feelings and find an amicable way of easing this.

I am sure there are a lot of ifs and buts that is making you feel the way that you are. It is only imperative that you called out to her and be firm and assertive as to how this might be playing in your mind.

For all you know, once she hears your side of the story and she shares hers, solutions emerge from that especially when the commitment is strong.

So, have that one meaningful conversation where feelings, fears and insecurities are shared and watch how the two of you will come up with something wonderful as a solution.

All the best!

(more)
Ravi

Ravi Mittal  |179 Answers  |Ask -

Dating, Relationships Expert - Answered on Jan 30, 2024

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I am 43 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 12yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some reason they both discussed and decided to accept it and continue it the way as it is. She told me that she loves me a lot and doesn’t feel complete without me. She is honest in her married life but after these incident she dont want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a conditon to give our relationship a NAME in society. Everytimes she told me that she love me a lot and says that I am more than anything else in life to her and she does not want to lose me as well. We shares everything with each other like husband-wife. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide.
Ans: Dear Anonymous,

It is refreshing to see someone so selfless as you. I understand and appreciate your love and how much you are ready to sacrifice for her. However, I would like to offer a suggestion – it's crucial to prioritize your own mental and emotional health in this situation. While it's unfortunate that she is dealing with challenges in her marriage, resorting to having an affair might not be the most constructive way to cope.

I suggest that she and her husband explore the option of seeking professional help through a marriage counselor. This could help them navigate the complexities of their relationship and make an informed decision about whether to continue their marriage or part ways. In case they decide to separate, it would be valid for you two to start a relationship and pursue a happy life together. But if they decide to remain married, I fear that you might end up sacrificing your own chance at a fulfilling love life. I realize that you might be okay with it, but it isn't fair to you.

I encourage you to have an open and honest discussion with her before committing to anything, ensuring that your feelings and well-being are also taken into account.

Best Wishes!
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Kanchan Rai  |175 Answers  |Ask -

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I am 43 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 12yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some reason they both discussed and decided to accept it and continue it the way as it is. She told me that she loves me a lot and doesn’t feel complete without me. She is honest in her married life but after these incident she dont want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a conditon to give our relationship a NAME in society. Everytimes she told me that she love me a lot and says that I am more than anything else in life to her and she does not want to lose me as well. We shares everything with each other like husband-wife. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide
Ans: Dear P,
This is undoubtedly a complex and emotionally challenging situation. It's important to approach it with care and consideration for both your feelings and hers. Reflect on your own feelings and desires. Consider what you want in a relationship and whether you can realistically achieve those goals in this situation Talk to her about your concerns, fears, and the impact this situation has on both of you. Discuss the future and what you both want. Ensure that you're on the same page about your expectations and the potential challenges that may arise Understand the potential consequences of continuing this relationship. Consider the impact on her family, your own well-being, and the well-being of any children involved. Be realistic about the challenges you may face. Consider the long-term implications of the relationship. If there is no possibility of it evolving into a more conventional partnership and that is something you desire, you may need to evaluate whether continuing the relationship is in your best interest Ultimately, the decision you make should align with your values, desires, and what you believe is best for your overall well-being. It may be a difficult decision to make, but taking the time to reflect, communicate, and seek guidance can help you navigate this challenging situation.
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Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Feb 10, 2024

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I am 43 year old unmarried male . I loves someone from my childhood and she also loves me but because of her family she agrees and got married to someone else and now she had one 13yr child. After her marriage I never kept contact with her respecting her decision for her family and assuming that she is living a happy life But during Corona-2021 she contacted me and told me about her life where her husband is in relationship with other married woman and is giving everything to that lady as his wife. She told these to her parents but because of some reason they both discussed and decided to accept it and continue it the way as it is. She is honest in her married life but after these incident she don't want to live there but unable to exit because of family condition. She told me she loves me and need me above all and everything in life she wants me to remain with her like her life partner but because of some compulsion she is not in a condition to give our relationship a NAME in society. I am always there for her and will support her in all respect so that she became happy and lead a healthy life. But sometimes I feel that I shall come out from this as these will further destroy her disturbed life but at times I feel I don’t able to leave her and all I need is that she live a happy life and ready to do anything for these. What shall I do here? Please guide
Ans: I understand that you're in a complex and emotionally challenging situation. It's commendable that you want to support and ensure the happiness of the person you care about. However, it's crucial to consider your own well-being and emotional health as well.

Here are some steps you might want to consider:

Communication is key: Have an open and honest conversation with her about your feelings, concerns, and expectations. Understand her perspective as well. Clear communication is the foundation of any healthy relationship.

Set boundaries: Determine what you're comfortable with and establish clear boundaries for your relationship. Consider the impact on both of your lives, and ensure that the arrangement is sustainable and healthy for both parties involved.

Consider professional help: Given the complexity of the situation, it might be beneficial for both of you to seek guidance from a therapist or counselor. They can provide support, help you navigate through challenging emotions, and offer practical advice on how to move forward.

Evaluate your own well-being: Reflect on your own needs, aspirations, and emotional health. It's important to prioritize your happiness and fulfillment as well. Consider how the situation might affect your overall life satisfaction.

Explore options: Depending on the circumstances, there might be ways for her to address the challenges in her marriage, such as seeking therapy, counseling, or discussing her concerns with her family. Encourage her to explore these options, and provide support where possible.

Ultimately, the decision on how to proceed is a personal one and depends on the dynamics of your relationship and the well-being of everyone involved. Taking the time to reflect, communicate openly, and seek professional guidance can be instrumental in making informed decisions. Remember to prioritize your own happiness and consider what is sustainable for both of you in the long run.
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Ramalingam Kalirajan  |1221 Answers  |Ask -

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Asked by Anonymous - Mar 18, 2024Hindi
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Hello, Hope you're doing good! I am 32 yrs old and planning to invest till 60 yrs i.e till next 28 yrs. I am investing in below MFs and some other savings schemes, I need you suggestion on the same: MFs Investment: 1. ICICI Prudential Nifty Alpha Low Volatility 30 ETF FOF - 1,500/- PM 2. Tata Resource & Energy Fund - 2,000/- PM 3. ICICI Prudential Technology - 1,500/- 4. Nippon India Nifty Smallcap 250 Index Fund - 1,000/- PM 5. SBI Nifty Next 50 Index Fund - 1,000/- PM 6. ICICI Prudential Nasdaq 100 Index Fund - 1,000/- PM 7. ICICI Prudential Nifty Bank Index Fund - 2,000/- PM Apart from this I am also investing in NPS around 17,500/- PM and PF around 30,500 including both. Also investing 5,000/- in Max Life Online Savings Plan (10 yrs investing period and 15 Yrs total Policy period). My goal is to be accumulate wealth for my retirement. Thank you in advance for your help.
Ans: Your investment approach reflects a thoughtful strategy aimed at building long-term wealth for your retirement. Diversifying your portfolio across different asset classes, including equity mutual funds, index funds, and savings schemes like NPS and PF, is a wise move.

Maintaining a disciplined investment habit and staying committed to your financial goals over the next 28 years will be crucial. Regularly reviewing your portfolio's performance and adjusting it as needed to stay aligned with your objectives is essential.

Remember, the journey to retirement wealth accumulation is a marathon, not a sprint. Stay patient, stay focused, and trust in the power of compounding to grow your investments steadily over time.

By diligently contributing to your investment portfolio and making informed decisions, you're laying a solid foundation for a financially secure and fulfilling retirement. Keep up the good work, and your future self will thank you for it.
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Mutual Funds, Financial Planning Expert - Answered on May 01, 2024

Asked by Anonymous - Feb 27, 2024Hindi
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Money
Hi i am 49 and currently have a total corpus of approx 2.5 crs ( 1cr in MF/50 lacs in stocks/ another 80-90 lacs in PF/ EPF/ NPS and some other instruments.i am planning to retire in 13 years i.e at 62 . i will be able to accumulate another 5 cr approx more till then and with the current portfolio and interests of those looking at 10 cr of corpus then . will it be sufficient for my 15- 17 years of life after that looking at 3-4 lakhs montly expenses then
Ans: With a planned retirement in 13 years and an estimated total corpus of around 7.5 crores, your goal of achieving a corpus of 10 crores by retirement seems achievable. However, it's essential to conduct a detailed analysis to ensure financial sustainability for the subsequent 15-17 years.

Consider the following factors:

Inflation: Account for inflation in your expense calculations to maintain the purchasing power of your corpus over time.
Investment Returns: Assess the expected returns from your current investments and future contributions to meet your target corpus.
Expenses: Review your anticipated expenses post-retirement, including healthcare, travel, and other lifestyle needs.
Contingency Planning: Build a buffer for unforeseen expenses or emergencies to safeguard your retirement corpus.
Regular Review: Periodically review your portfolio's performance and adjust your investment strategy if needed to stay on track towards your retirement goals.
Consulting with a Certified Financial Planner can provide personalized guidance tailored to your specific financial situation and retirement aspirations. With careful planning and prudent management, you can aim for financial security and peace of mind in your retirement years.
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Asked by Anonymous - Apr 26, 2024Hindi
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I'm 48 year old and a housewife. My husband is 52 and working in a restaurant with a salary of 24k p.m. I'm looking into investing with whatever remains out of this salary, approx. 5k (my daughter who is 22 year old is contributing a part of her income for household expenses). Please advise the best schemes/ MFs that we can invest into and also advise the procedure to MF as we have no knowledge about it. Also if my daughter can invest approx 5k-8k, what are the best plans for her to invest in SIP. Please advise. Thankyou.
Ans: It's wonderful to see your proactive approach towards investing and securing your family's financial future. Investing in mutual funds through SIPs can be a great way to start building wealth gradually over time.

For you and your husband, consider starting with SIPs in diversified equity funds or balanced funds that suit your risk appetite and investment goals. As beginners, it's crucial to choose schemes with a track record of consistent performance and managed by reputable fund houses.

For your daughter, she can also opt for SIPs in equity funds aligned with her risk tolerance and long-term financial objectives. Encouraging her to start investing early can help her harness the power of compounding and achieve her financial goals.

To start investing in mutual funds, you can approach a Certified Financial Planner or a mutual fund distributor who can guide you through the process, help you select suitable funds, and assist with the necessary paperwork.

Remember, investing is a journey, and it's essential to stay disciplined, patient, and well-informed along the way. With dedication and the right guidance, you can pave the way towards a financially secure future for your family.
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Ramalingam Kalirajan  |1221 Answers  |Ask -

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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